please show work and round to whatever it ask, not just a whole number. thank you!

also the answer is not $56837.73 or $38594.04

Keith has two student loans. One is a loan of $15,000 at an APR of 6% for 12 years; the second is a loan of $29,000 at an interest rate of 7% for 8 years. Keith is considering consolidating the loans and has found a bank that will loan him $44,000 for 10 years at an annual interest rate of 6.5%. If Keith is trying to pay off the loans and pay the least amount of Interest, should he take the consolidation option? (Assume Keith makes a monthly payment for each loan. Round your answers to the nearest cent.) The total interest paid on the unconsolidated loans is $ 15032.32 and the total interest paid on the consolidated loan is $ 15032.32 X , so Keith should not take the consolidation option. Need Help? Read